Melissa Bausley is a financial advisor with Wells Fargo Clearing in Newport Beach, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for five years before joining Wells Fargo Clearing in 2018. Outside of her advisory role, she teaches music lessons as a sole proprietorship. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice and offering both non-discretionary and discretionary plan management options.

Brian Friestman is a CFP® with seven years of industry experience, currently serving at Ameriprise since 2023. Prior to that, he worked at Edward Jones for four years and held roles at Gama Aviation, Envoy Air, and Amazon. Outside of his advisory work, he owns Lone Wolf Realty, LLC, a real estate business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service that combines investment research and algorithmic tools to provide tax-aware withdrawal strategies and dependable income planning.

Ellie Chizmarova is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Morgan Stanley. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following an 11-year tenure at Beacon Pointe Advisors, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process involves structured discovery and firm-approved tools, offering tailored plans supported by extensive research and modeling techniques.

Wendy Torres is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 designations and nine years of industry experience. She has worked at Merrill since 2020 and previously held roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Xavier Steiner is a financial advisor at Raymond James & Associates with 23 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at City National Securities, Inc. for 13 years. Outside of advising, he is a landlord involved in passive rental income properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, utilizing a range of portfolio management styles and affiliated research resources.

Azita Salam is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2016 and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including customized financial planning. The firm uses structured planning tools and models to support clients, managing approximately $2.74 trillion in assets.

Bingqing Zuo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Zuo worked at Citi Bank and NationsBenefits. Zuo has also held roles at Pepperdine University and One World Furniture, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steven Weber is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney prior to joining UBS. Weber serves on the board of America on Track, a charity supporting disadvantaged youth in Orange County through mentoring, nutrition, and sports programs. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory services, combining proprietary research and institutional trading capabilities to tailor investment solutions.

Derek Greer is a financial advisor with Ameriprise in Laguna Niguel, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for 10 years before joining Ameriprise. He serves as Treasurer on the Board of Directors for IVRS, a nonprofit organization. Ameriprise provides retirement-income planning services tailored to high-net-worth individuals, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Calvin Nguyen is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. He has worked with Merrill and Bank of America since 2007. Outside of his advisory role, he owns a rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Levin is a financial advisor with UBS Financial Services in Newport Beach, CA, holding a Series 63 designation and 34 years of industry experience since 1992. He serves as a member of the board and chair of the investment committee for the Jewish Community Foundation of Orange County and acts as trustee for multiple life insurance trusts related to estate planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Qing Zhou is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides customized financial advice and portfolio management services to help clients pursue their long-term financial goals. Qing focuses on areas including family wealth management strategies, legacy planning, portfolio management, personal retirement planning, tax minimization, and services for endowments, foundations, and non-profits. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Qing earned her Bachelor's degree from Shanghai International Studies University and a Master's degree from the University of Illinois System. She is fluent in English, Chinese, and Japanese. Qing is affiliated with Asian Professional Associations. In her spare time, she enjoys hiking, interior decorating, music, reading, traveling, and yoga.

William Knoke is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. He previously worked at Waddell & Reed, Inc., and operated his own firm, William L. Knoke, Inc., where he also provided tax preparation and accounting services. Knoke has a background in insurance and tax-related activities alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Roberto Valencia Friderici is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and began his career in financial services in 2024, with prior experience at APN Tech and Bank of America, N.A. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Kalianov is a financial advisor with Cetera, holding the CFP® and ChFC® designations and bringing 38 years of industry experience. His prior roles include long-term work with Crown Capital Securities and Platinum 100 Financial Services, where he continues as sole proprietor offering comprehensive financial planning services. He also serves on the board of directors for the Delario Condominiums HOA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and access to numerous third-party money managers.

Greg Weise is a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2014. He partners with clients and their families to build and implement comprehensive financial plans. Prior to this, he served as a Regional Training Consultant from 2011 to 2014, and as a Regional Planning Consultant from 2005 to 2011. He began his career at Fidelity as an Insurance Wholesaler in 2004. Greg holds a California Insurance License. Outside of work, he enjoys fishing, scuba diving, skiing, playing soccer, reading, and exploring food culture.

Scott Sage is a financial advisor with OSAIC in San Clemente, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Securities Corporation for 17 years. He is also involved in insurance and investment-related activities through his sole proprietorship, Sage Financial Innovations, offering various insurance products including accident and health, disability, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on diversified portfolio construction using firm-provided tools and access to third-party managers and wrap programs.

Devyn Marinos is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, Marinos completed four years at Vanderbilt University and six years at Campbell Hall High School. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services through a comprehensive platform.

Bryan Pepper is a Series 66-credentialed financial advisor with 18 years of industry experience, currently with Charles Schwab. His prior experience includes roles at J.P. Morgan Securities and several other financial firms. Charles Schwab & Co., Inc. serves a large client base mainly composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management across multiple asset classes combined with brokerage, custody, and financial planning services.

Bradley Smith is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill Lynch Pierce Fenner and Smith and Bank of America. His prior experience includes a partnership with Leah Averre and involvement in a business called Dana Point Duplex. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities.